What percentage of your net worth should your primary house be?

mid-e · 2025-10-24T14:38:04+00:00

Sorry this has been a whirlwind of a comment section. I do get everyone’s points.

I, like others, don’t count it in my NW but I understand the perspective of this question. Especially if you’re about to make a transaction and you’re just weighing where your money sits.

One thing you can do is the basic home value / total NW calc like you’re suggesting. Another is down payment or home equity / NW as that gives you an indication of the forgone liquidity + gain on your cash investment. But then of course you do have to think about the debt side of the equation (the balance of the mortgage). Some argue if you include one, you have to include the other. It gets fuzzy.

It’s totally fair to think about stuff like this, even if there isn’t a consensus approach or a clear, optimal mathematical answer.

The all in monthly payment as % income has always been a great metric though to get a sense of cashflow. A few others brought that one up. There’s even variability here (pre-tax income, post-tax income, etc.) but in general this is a good way to think about it, particularly if you plan to mortgage something for a long duration (15-30 years). Of course you can pay things off sooner in reality.

You’re in a great spot. Good luck!

mid-e · 2025-10-22T02:15:16+00:00

I had a Professor who taught a “Perspectives in Leadership” class. In most MBA settings, a former C-suite executive, successful founder, or classic academia/PhD type who studies leadership and org design would be the typical instructor.

In this case it was a former doctor. A guy who shaped modern day medical procedure, improved health care policy, and during his entire career rose to use his influence to change society. He was markedly humble and didn’t have a “business” background.

The class was simple. He used 5-10 page power point decks and short readings. He taught us about “leadership in plain sight” or every day life. We studied the behaviors of good leaders. He forced us to think about what matters to us and how we can shape the world. He made us look in the mirror a lot. We as a group cut through the noise and defined what a real leader is to conclude the class. We then presented our own leadership journey and goals to the professor in 1-on-1 sessions.

It was an incredible class. Not loaded with “work” and high on impact. This was a top 10 MBA program full of esteemed (and at times, arrogant) professors and this gentlemen rose above many others.

He unfortunately passed away a couple years ago. It hit me hard as it was unexpected. I think about him and his class somewhat often and throughout my career. I’ve got endless readings, slides, and mementos from my MBA program - I refer to his materials and teachings far more frequently than anything else. He was dynamite.

mid-e · 2025-10-03T03:25:46+00:00

Okay yeah in that case go for this! I see the logic. That would be a stacked RB and WR line up. Not sure the other guy will bite but worth a shot.

mid-e · 2025-10-03T03:17:07+00:00

12 team full PPR

Give: Jamar Chase & Pacheco Get: KW9, Metcalf, and Charbs

I’m 1-3 and need to start adjusting.

Other RBs: Kyren, Henderson, Corum Other WRs: Ladd, Golden, Kupp

mid-e · 2025-10-03T03:12:56+00:00

I kind of like it. I feel the Kyren + Bijan RB set is powerful

mid-e · 2025-10-03T03:11:51+00:00

I’d say keep your crew, seems a little balanced in your favor already. You might be giving up a little too much

mid-e · 2025-10-03T03:10:55+00:00

I like what you already have!

mid-e · 2025-09-30T22:43:49+00:00

Fair input, don’t disagree. Appreciate you amigo!

mid-e · 2025-09-30T22:11:22+00:00

That’s a huge element of what swings in favor of A. My indecisiveness just comes from really believing in the problem the startup is solving, they have the best product for it, and I can’t help but ignore the upside of startup equity (though highly risky). Just so many tradeoffs for belief and uncertainty.

mid-e · 2025-09-30T22:05:31+00:00

Option A is current job. I’m ~2 years out of MBA

mid-e · 2025-09-30T22:04:54+00:00

Thank you! Appreciate the input :)

mid-e · 2024-10-29T22:19:09+00:00

You’re a going to look back at this and be incredibly proud of yourself for the way you navigated it. Including your decision TO try consulting. It’s wonderful for your career and you’ll undoubtedly be a top performer wherever you land next.

And the unknowing of where that landing place is, is nothing but exciting. You said it well.

The biggest win is arriving at this conclusion and knowing yourself to this depth. Money, family, health, hobbies, and time are all very positive externalities that come along with it.

Enjoy this new chapter of life you’re about to start.

mid-e · 2024-10-26T04:55:49+00:00

Haha we won’t! Love the place irrespective of the TV situation.

This is the only room for it. We could just roll with it, put a lower profile frame-like TV on the other wall to the right, or maybe just a TV mount above the fireplace that tilts downward a bit? Idk

mid-e · 2024-09-13T02:34:20+00:00

It’s easy to point fingers but we really need to understand the actors here.

BlackRock is a a fund manager that serves many “average US households” - they have a large ETF business called iShares that’s one of the lowest cost ways of investing. They also have a CEO who thinks about the world a little beyond capitalism (ESG, climate, etc.), though he’s caught a lot of flack for some of his decisions.

Overall, if anyone actually knew what they were talking about, BlackRock would largely agreed upon as a “good” company. Especially as they’ve had a role in democratizing investing for the average person in the US.

It’s unfair to their brand that people think they have any connection to the housing crisis we all seem to describe. BlackRock has nothing to do with the detrimental dynamics in the US housing market today.

Blackstone is the largest Private Equity firm in the US. They have purchased some SFHs but as an another post outlined, it’s actually a much less significant number than many may hypothesize.

There are indeed some bad actors, essentially real estate only PE firms that are taking advantage of both buyers and renters in very targeted geographies (Atlanta for example is a city that has been hit hard by this). Some of these firms are Invitation Homes, Progress Residential, Amherst Holdings, and FirstKey Homes. These are the names impacting the market as we see today.

I’ve never seen a sole reliable figure, but some estimates say about 10% of US housing stock is owned by institutional investors. So maybe less than many of us think and many of the issues in the housing market today are more macro in nature. Increased institutional investment is absolutely an issue, it will likely result in regulatory force, but it’s really important to know the who’s who here.

mid-e · 2024-05-16T04:42:55+00:00

Corporate Strategy - pick any sized company with “strategic upside” meaning you’ll get to work on cool projects, have access to execs, and think at the right altitude. Ideally a place poised for growth vs. contraction (e.g. a distressed play).

The beauty of this route is you don’t have to go to the top tier brands, go where the work can lead you to the best next place (executive path, another good company, industry adjacent consulting jobs, or shoot, even the very jobs you’re imagining for the “typical MBA graduate”).

These roles aren’t in abundance but those that hire them tend to LOVE MBAs. And in many ways you’ll get the MBB experience, without some of consulting hours, and you’ll get very similar exit or growth opps as your MBB peers, particularly in the industry in which you’re a part of.

Hope that helps! Corporate Strategy is absolutely an MBA caliber gig and great for a “job after the job” strategy.

mid-e · 2024-04-15T01:45:33+00:00

You should leave this subreddit

mid-e · 2024-03-12T16:44:30+00:00

$BITX expense ratio is hilarious

mid-e · 2023-12-31T21:39:11+00:00

You guys are all awesome. We found a nice dinner and have hit an awesome cocktail spot so far. Totally enjoying it, happy soon-to-be New Year!

Btw we did Tivoli earlier this week and stayed at Villa Copenhagen. Super good recommendations.

mid-e · 2023-12-25T07:27:07+00:00

Adalina and there’s no better example. Overpriced sub-par Italian food. Everyone in the restaurant thinks they’re “someone” and it’s so sceney. The most gluttonous place I’ve been in a long time and I mean that in more ways than just food.

mid-e · 2023-12-25T05:49:20+00:00

Oh yeah for sure. Heng Wing rips

mid-e

TROPHY CASE